HELOC

Borrow funds for home improvements, investments, debt payoff, or business use and only pay interest on what you draw.

Qualification is streamlined with minimal documents required, making it faster than a traditional refinance.

Many programs allow borrowing up to 80–90% combined loan-to-value, depending on credit and property type.

Borrow funds for home improvements, investments, debt payoff, or business use and only pay interest on what you draw.

Qualification is streamlined with minimal documents required, making it faster than a traditional refinance.

Many programs allow borrowing up to 80–90% combined loan-to-value, depending on credit and property type.

Minimum credit score typically starts around 640–660 depending on loan amount and LTV.

Most HELOC programs allow DTIs up to 45–50%, based on full credit profile.

Income verification, recent mortgage statements, and proof of homeownership are required.